Promoter holding
64.27%
PG
Pnb Gilts Limited - Due diligence report
A 360° intelligence report on Pnb Gilts: trust score, financial health, credit view, compliance, directors, growth and distress signals - ge…
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Pnb Gilts — 360° Intelligence Report
Generated from MCA filings & public records59/100
Trust Score
Moderate
Pnb Gilts is assessed as Moderate with a Trust Score of 59/100. Pnb Gilts is an active public limited indian non-government company incorporated in 1996, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. It reported a loss in its latest filed year. Based on MCA filings and public records, it currently shows a moderate compliance risk and high financial risk profile.
Report generated on 09 Jul 2026 from the latest processed filings. Pnb Gilts Limited snapshot & full profile →
Automated indicators derived from public MCA / GST / EPFO records - not a credit rating, not investment, legal or financial advice. Spotted an inaccuracy? Report an error.
02
Score Card
Higher is safer · rule-based & explainableTrust ScoreModerate
59/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
62/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
45/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
25/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreCaution Indicated
30/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
90/100
Revenue, profit, asset and hiring momentum.
Distress ScoreModerate
65/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Standalone · 5 filed year(s)Unlock the full 5-year financial dashboard with charts and year-wise figures.
Get full accessScores and observations on this page are already computed from the real filings - only the underlying figures are locked.
04
Credit & Compliance Intelligence
Why the scores are what they are
Credit Risk Score: 25/100 Caution Indicated
- Liabilities ≈ 38% EBITDA - stretched.
- Open charges exceed net worth - secured lenders rank ahead.
- Elevated gearing (D/E 1.42).
- Externally credit-rated (A1).
Charges position: 2 open (2,690.00 cr) · 1 satisfied (190.00 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Others | 3 | 48.0 cr |
Compliance Score: 62/100 Moderate
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: DSE.
- Delayed payments to MSME suppliers disclosed (1 disclosure(s)).
- 1 active GST registration(s).
05
Director Intelligence
Stability score: 30/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| GOPAL SINGH GUSAIN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| TEJENDRA MOHAN BHASIN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Chandra Prakash | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| MONIKA KOCHAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| REKHA RANI JAIN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RAJ KAMAL VERMA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AMIT KUMAR SRIVASTAVA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Pareed Sunil | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| Pareed Sunil | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 9 directors on the board.
- RAJ KAMAL VERMA has DIN status "Deactivated due to non-filing of DIR-3 KYC".
- 6 director exits in 3 years - high churn.
Director & KMP remuneration (FY 2023)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2023 annual returnPublic / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
Punjab National Bank
Subsidiaries
-
Group entities
-
Capital events
-
Promoters hold a majority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Punjab National Bank | Holding Company | 74.00% |
Key managerial personnel: Chandra Prakash (CFO) · Pareed Sunil (Managing Director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 90 · Distress 65
Growth signals & trust indicators
Revenue acceleration: +2.1x over 4 year(s).
Latest year revenue grew 24%.
Asset base grew 0.86 - capacity expansion.
EPFO headcount growing - hiring signal.
Operating for 30+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Losses deepening year-on-year.
3 director exits within 2 years.
2 open charge(s) registered - assets are encumbered.
MSME payment delays disclosed - latest outstanding 60,000.00.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence62/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 2 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment40/100
Enhanced diligence advised
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 2 open charge(s) of 2,690.00 cr already registered.
- Compliance gaps should be priced into terms.
Investor view66/100
Mixed indicators
Growth quality and scalability through an investor lens.
- 4 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management churn warrants questions.
09
MCA Filings & Events Timeline
Latest 15 events17 Sep 2025
Last AGM held
Annual general meeting
03 Jul 2025
Director appointed
Pareed Sunil (Ceo)
19 Jun 2025
Director appointed
Pareed Sunil (Managing Director)
Director ceased
Pareed Sunil
31 Mar 2025
Latest balance sheet
Filed with ROC
26 Mar 2025
Charge created
Others - 190.00 cr
02 Jan 2025
Director ceased
REKHA RANI JAIN
Director ceased
RAJ KAMAL VERMA
07 Nov 2024
Director appointed
REKHA RANI JAIN (Director)
10 Oct 2024
Director appointed
RAJ KAMAL VERMA (Director)
04 Jun 2024
Director ceased
GOPAL SINGH GUSAIN
26 Mar 2024
Director appointed
GOPAL SINGH GUSAIN (Director)
07 Mar 2024
Director ceased
AMIT KUMAR SRIVASTAVA
06 Mar 2024
Charge satisfied
Others
15 Feb 2024
Director ceased
SATISH KUMAR KALRA
10
Key Observations
Auto-generated from the data aboveRevenue grew 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - leverage worth monitoring.
Net worth is positive.
9 active director(s) / partner(s); review board churn before relying on management continuity.
1 active GST registration(s) indicate ongoing business operations.
Carries an external credit rating of A1 from Indiarating.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a majority stake as per the FY 2023 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
| Company | CIN | Location |
|---|---|---|
| Rgpl Commodities Private Limited | U74110RJ2016PTC056456 | Jodhpur, Rajasthan, India |
| J. P. Morgan | U67120MH1992FTC068724 | Mumbai, Maharashtra, India |
| Tdfc | U65191TN1975SGC006887 | Chennai, Tamil Nadu, India |
| Fedfina | L65910MH1995PLC364635 | Mumbai, Maharashtra, India |
| Torrent Power | U67120GJ1985PLC007573 | Ahmedabad, Gujarat, India |
| Shanghvi Finance | U65910MH1989PTC053111 | Mumbai, Maharashtra, India |
| Ess Kay Fincorp | U65923RJ1994PLC009051 | Jaipur, Rajasthan, India |
| Pinelabs | L67100HR1998PLC113312 | Dlf Qe, Haryana, India |
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Pnb Gilts before audits and certifications: compliance score 62/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Pnb Gilts: ACTIVE compliance status, annual-return recency, director DIN status, board churn and the events timeline - the inputs for secretarial audits and due-diligence certificates.
Bankers & NBFCs
Current banker verdict: Enhanced diligence advised. Credit risk score 25/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 90/100, margin trends, ownership structure and peer set for Pnb Gilts - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 59/100, distress signals and MSME payment-delay disclosures - know whether Pnb Gilts pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (no cases on record), regulatory flags, charge documents trail and director networks for Pnb Gilts - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Pnb Gilts an active company?
Pnb Gilts has MCA status “Active” with a compliance score of 62/100 (Moderate).
Is Pnb Gilts financially healthy?
Pnb Gilts has a Financial Health Score of 45/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Pnb Gilts?
Its overall Trust Score is 59/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Pnb Gilts?
The ultimate holding entity is Punjab National Bank. 9 active director(s) are on record.
Does Pnb Gilts have loans or charges against its assets?
2 open charge(s) are registered against its assets, and 1 earlier charge(s) stand satisfied.
Is Pnb Gilts up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 62/100 (Moderate).
Is it risky to lend to Pnb Gilts?
Its Credit Risk Score is 25/100 (Caution Indicated). Banker verdict: Enhanced diligence advised.
Disclaimer: This report is generated automatically from MCA filings and public records as available
in our system at the time of the last update. Scores, bands and verdicts are rule-based derived indicators of the
underlying data - they are opinions generated by an algorithm, not statements of fact about the company, and are
not credit ratings (within the meaning of SEBI regulations), audits, or investment, legal or financial advice.
Verify from official sources and consult a qualified professional before any business, lending or investment decision.
If you represent this company and believe any information is inaccurate or outdated,
report it here and we will review promptly.
